Consignment

The application allows implement the credit concept consignable, based on discount already in the payroll, allowing the credit transfer by employers to their employees, be them from public or privet companies, in predetermined periods (monthly charge).

Applicability/Benefits

The system implementation allows to the enjoyed companies become available to their employees the anticipation of a consignment without the have financial resource to do this.

How this is a cards system after-paid (like a credit card), the bills payments done for their collaborators will be make only after processed the payroll's company and putting the debit to be discounted in his payment certificate.

With this become possible the shopping in several establishments, like: markets, banks, gas stations, pharmacies, etc.

Items to be considered

Price: the user pays the same value of cash shopping;

Time: bigger and without interest to the user, (project mentor's depending – for example: Cities Town Halls, Govern, etc.)

Taxes: without administration taxes or annuity to the user and neither to the employer, (project mentor's depending – for example: Cities Town Halls, Govern, etc.)

Security: some moment the card can be blocked in case or loss, steal, theft, or misleading, further has password with that exist of most modern in cryptography, blocking that card be cheated or copied, as happen today with magnetic stripe cards;

Multi-applicative: in the same card, the user can implant other controls, like the functional identification, access control, and transport ticket, among others;

Transactions' Speed: how work with credit in own card, dispense connections with consult centrals (off-line operations);

HR's Management: how be reserved a memory's area in card exclusive to the employer, with data that allow introducing much management systems;

Bureaucracy: bureaucracy's decreasing or elimination in the process and, consequently, fails and errors;

Improper use: elimination of benefit's improper use.

Planning: real data collection to improve the planning;

Operational Costs Decreasing: how is not necessary give money antecipatedly to the employee, the company can work better its cash flow during the period that has to pay of employees' bills. Another costs decrease important exist when a company implements integrated way with another possible applications, as identification card, access control to the company and time card, because its midia's spend with become to be unique, being this much more security that midias with bar code and/or magnetic;

Familiar Planning: like is allowed only the use to shopping assets in establishments associated, the system helps in the familiar planning, inhibiting the assets' acquisition that not be for residential consume;

Infrastructure necessary

PC+ Contact Reader + Internet Connection

Schema